# OCEAN CITY HOME BANK
OCEAN CITY, NJ · FDIC certificate 30273 · asset band $1-10B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.09B | |
| Deposits | $869.3M | |
| Loans and leases | $796.3M | |
| Total equity | $105.9M | |
| Loans / deposits | 91.22% (p57 of band) | 88.75% |
| Liquid assets / assets | 22.44% (p52 of band) | |
| Uninsured deposits / deposits | 5.50% (p4 of band) | 25.63% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.83% (p51 of band) | |
| FHLB advances / assets | 9.59% | |
| Tier 1 leverage | 9.47% (p42 of band) | 9.74% |
| Unrealized securities loss / equity | -0.48% (p2 of band) | 2.06% |
| AOCI / equity | 0.56% (p37 of band) | |
| ROA (annualized) | 0.66% (p21 of band) | 0.96% |
| Net interest margin | 2.94% (p18 of band) | 3.47% |
| Efficiency ratio | 66.86% (p60 of band) | |
| Noncurrent loans | 0.58% (p48 of band) | 0.62% |
| Net charge-offs (annualized) | 0.04% (p54 of band) | |
| Reserve coverage of noncurrent | 71.06% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 22.47% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 168 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | loans exceed deposits |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | capital falling | uninsured deposits leaving |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-07-13 [OceanFirst swallows Ocean City Home Bank - Asbury Park Press](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNUndiQmZtTEl2U0tZWFBIYTVkMmhiNGZFOXRMa1hZNGFnZlBpdmpuZ3pMU2oyZ2RJVWMzSnFLZHV4cjIxZVpsS0syN2VaZTZDUk1nZzhBYXVJdzNWbjZWMFYzeGl5Y2NmSHdQWTJvcmRDU0ZCekV4ZG1jRWVmMGdYR3ZCZV9yLVZuZVJjX3NmQjNEazItOUtPZXdkUk0zbzRfeXc0NjBUbWQ?oc=5) · Asbury Park Press
- 2015-11-23 [Ocean City Home Bank Executive Named 2015 New Leader in Banking - Cape May County Herald](https://news.google.com/rss/articles/CBMikwJBVV95cUxOR2lPUktyZk9PbmpZaURsLVNlN09sbkZJRHEzT21CUDQtaXoyTzgtWU9RWndsbzNUVGhOaTItemt5MC11TVQwWHJPNEtlWHRkY3drMmdrNmNkT0FENmZ2ZkNfWlRpbXdWX29TVS1rbHVxcTFrbDd3RWpaOEs5Q2hZSmdEM2xPOWZmcmlMSUxDRzJvaHRlb3FHVTFiRm5SR1F3UW1Wc256LVh5ZE1kdlljejFwaWdxY3Bzck9LMUY3X1hXTkVTejhsOGtpZlVTVldlNkxzUERha2ViZTR2T2tsZ3gzb1JjYUhMY1FWbkhIN3FEX1VjUjVaalA3ckZ0YmpaS1dSZU5JNXQwT2tGVW1GUGVabw?oc=5) · Cape May County Herald
- 2024-08-20 [Roy Gillian, former Ocean City mayor, founder of Wonderland Pier, dies at 94 - NBC10 Philadelphia](https://news.google.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?oc=5) · NBC10 Philadelphia
- 2016-02-08 [Ocean City Chamber of Commerce Installation Dinner Set for Feb. 17 - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxQRS16NUxPaTRVeS00MHZzd2ZEenZfanNHRzZiS3ZJaEl1UXJTaktqSzdiaENpSGhld1RReFNzZWI1a0hsbGlabkxjRmh3SkJFLU0tdWN1ZEpHRFNmWXcxaG1uNzBXS2VFWEJIODU3Z2JmblhMWGdyeDhlTVZfTnlkeWxHTVBzcnFoWktOQ00wRDlqSVlCMl93WUFxcjhfUQ?oc=5) · Patch
- 2016-12-05 [OceanFirst completes Ocean Shore merger - Asbury Park Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxQbk12NHh2M1ZBVk5mN05zbGo4elduWTEwdzdLaXN4djlhTFlDaVJHTTVvWExPbWFNelpPVU1VNF9TRU9aN3VpV2pXNm1aa3BacWRUeFl4QzRSRXJZczkxWjZvVVlUN3B4VklCSVFTdGJGYU9UaEx3OEJJTzRsN1pOZkFqdEgyQmNvWGQtN1VoV0kxUkdZVW83MGFsYy05QlhoUDZCVkItWFMyR1R1azhzZmRKbw?oc=5) · Asbury Park Press
- 2021-08-18 [Three Bank Robberies With Shot Fired Send NJ Man To Fed Pen For 45 Years - DailyVoice.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMDRwTXNiNC0wbnFMVE9BVnJfSU5PZnNHUzlBWno0XzJ5ZFZaQmR5ZExNTHBqSlRxOW8wSDc5YjBKcXRCNlAtN0RKbTRDdDRFM0d5N0hRbjhXSE9oQ1dhRnl3WE1SbVl5ZnpOcm5LcVBKUlVWMjNvWFRSaVVoVHB4OUdXa2ZUZTE4ZzkxUUhyeTlFNUhCb2lKZ2NxSHJmcnJHQTRFNDZiYw?oc=5) · DailyVoice.com
- 2021-08-17 [NJ Man Sentenced to 45 Years in Prison for Robbing Three Banks - RLS Media](https://news.google.com/rss/articles/CBMiS0FVX3lxTE1zeXo5QnRPWkU5UjFpUWl4SW8tUUQwTXdLanhFX1pSQllTZkxwbVF0bVEzMncyN0tYZW04bldDQVJqdWp2Z2k5cVd4SQ?oc=5) · RLS Media
- 2015-02-09 [Ocean City Chamber of Commerce to Install New Board Members, Officers, Directors Feb. 17 - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxQY3FrenQteFdHbG94M1JUODVIYmNTX2ptek1SU3VFcE9KRks4RDlZZU5FRDBXNmZseEltM2loNXJSSFM1eno2eVBkSUhYdXRjNE5iTjVwUXl0WVhmZWhJcTRKbFJYazNUUjF1VWRyNHpHWGVXbjBzOFFGTVhEbG1mM1p6UDQyUWF6WDVGdmpjMjJfLU1WTGpWVmJNM2NUZXBZQTVwM2VLRkNqMEllYmdNNGVDNzF0a1otVnc?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30273 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "30273", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide